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Katahdin Bankshares (KTHN) Stock Price & Analysis
KTHN Stock Chart & Stats
- Day’s Range
- $39.50 - $40.50
- 52-Week Range
- $26.30 - $40.50
- Previous Close
- $40.49
- Volume
- N/A
- Average Volume (3M)
- 544
- Market Cap
- $128.32M
- Enterprise Value
- $117.68M
- Total Cash (Recent Filing)
- $26.49M
- Total Debt (Recent Filing)
- $26.91M
- Price to Earnings (P/E)
- 11.2
- Beta
- 0.25
- Next Earnings
- Jan 28, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Sep 15, 2026
- Dividend Yield
- 2.23%
Bulls Say, Bears Say
Bulls Say
Solid Profitability
Healthy net and EBIT margins indicate that the bank continues to convert its lending and fee-generating activities into meaningful earnings. This profitability provides a durable base for capital retention, technology investment, and resilience through normal changes in banking conditions.
Improving Leverage
Improving leverage and continued equity growth strengthen the balance sheet and provide greater capacity to absorb credit or funding pressure. Moderate debt also supports financial flexibility, while healthy returns on equity show that capital is being deployed productively.
Strong Cash Conversion
Free cash flow close to net income indicates that reported earnings are translating into cash rather than relying heavily on accounting adjustments. Strong cash generation can support reinvestment, capital needs, and shareholder distributions across the next several quarters.
Bears Say
Revenue Volatility
The sharp swing from a 25% revenue decline to 13% growth shows that topline performance can vary materially between periods. Such volatility makes forward earnings less predictable and may complicate planning for lending growth, staffing, and capital allocation.
Margin Compression
Lower margins than the 2021–2022 peaks suggest that earlier profitability levels may not be fully sustainable. Persistent pressure on spread or expense dynamics could reduce earnings scalability and leave less operating cushion if revenue growth moderates.
Uneven Cash-flow Growth
Although current cash conversion is strong, repeated declines in free cash flow growth indicate that cash generation is not consistently expanding with profitability. This variability can constrain the reliability of internally funded investment, distributions, and balance-sheet growth.
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Katahdin Bankshares Stock Smart Score
Company Description
Katahdin Bankshares
Katahdin Bankshares Corp. operates as the bank holding company for Katahdin Trust Company, a state-chartered commercial bank that provides various commercial and retail banking services for individuals and businesses in Maine. It offers various deposit products, such as checking, savings, health savings, money market, NOW, and individual retirement accounts, as well as certificates of deposit. The company also provides mortgage, construction, homebuyer, home equity, rural development, and personal loans; business, municipal, term, and small business administration loans; and business mortgages, business letters of credit, lines of credit, and down payment assistance programs. In addition, it offers online, mobile, and telephone banking services; bill payment, e-statement, e-check deposit, mobile wallets, reorder checks, ACH and wire transfer, debit and credit cards, ATMs, and merchant services; and cash management tools. Further, the company provides equipment financing services in the trucking, construction, forest products, and marine industries; and securities, financial planning, and insurance products. It operates full-service branches in northern Maine, greater Bangor, and Portland regions. Katahdin Bankshares Corp. was founded in 1918 and is based in Houlton, Maine.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Jon J. Prescott
- Employees
- 182
- Website
- www.katahdintrust.com
- Address
- PO Box 36, Houlton, ME, 04730, US
Katahdin Bankshares (KTHN) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 2 | 6 |
| Technical Analysis | 4 | 2 | 4 |
| Moving Averages | 10 | 0 | 2 |
